We often celebrate each new year with hopes that it will be better than our last, knowing that if we had a chance to do things over, even for just the past year, in order to ensure a better outcome, we would.
It's easy to hope for better, but it's best to take action to ensure the coming year and years that follow provide good health and more personal happiness.
Take our quiz, meant for adults ages 18 and over, to help you determine your current state of health & wellness! It's not scientific or created by doctors or therapists. It's not meant to take the place of a doctor's or therapist's examination, diagnosis, advice or otherwise. It's meant for fun and enlightenment!
Directions: On a sheet of paper, list numbers 1-25. Record your points that precede each answer on the quiz with the best answer to each question, as it relates to you. Unless otherwise noted, pick only one answer per question. Once you complete the quiz add all positive points (example of a positive point is 2) at the end, then subtract all negative points (example of a negative point is -2) to get your score.
Before you begin The points are not a characterization, they are meant to coordinate with the entirety of the test, so answer honestly and don't focus on each answer's point award or deduction while taking the quiz.
The quiz takes about 30 minutes. Many questions and possible answers can be in depth in order to develop the best representation of both your entire picture of health and wellness, as well as specific areas that require awareness, attention and/or action.
In some cases, an answer may seem positive, but the result could indicate a point value that requires some awareness, improvement or action based on a probability factor used to determine specific responses and their likelihood to negatively affect one's health and wellness.
1. How often do you eat food (not including beverages) prepared by a restaurant (including fast food, room service, convenient shop)?
- -6 points 2 or more times per day
- -5 points once a day
- -4 points about 5 times per week, but not everyday
- -4 points 4-6 times per week
- -1 points 2-3 times per week
- 0 point once a week
- 1 points 3-4 times per month
- 2 points once or twice a month
- 1 point on occasion
- 4 points I don't eat food prepared away from home
2. What is your main diet?
- 4 points vegan or similar
- 4 points vegetarian
- 3 points whole foods, mostly organic foods and some meat
- 3 points whole foods, some organic, some meat
- 3 points mostly whole foods, some meat
- 2 point mostly whole foods, some organic, meat, occasional fast food, junk food
- 3 point mostly good (low: fat, sugar, carbs calories), some whole and organic foods, wide variety, some or no meat
- 2 point mostly good, meat, occasional fast food and junk food (usually watch: fat, sugar, carbs, calories)
- 0 points some good, meat, some fast or junk food (don't usually watch: fat, sugar, carbs, calories)
- -4 points sale foods, freezer dinners or packaged foods (don't read nutritional labels)
- -4 points fast food and some packaged food (don't care about nutritional labels)
3. Do you exercise?
- 4 points yes, I do 20 minutes of aerobic or anaerobic exercise, 3 times a week or more
- 1 points yes, I do less than 20 minutes of aerobic or anaerobic exercise, 1-3 times per week
- 4 points yes, I do some cardio and/or weightlifting for 20 minutes, 1-3 times per week
- 1 point yes, I only do 20 minutes of non-aerobic exercise (walking, yoga, Pilates), 3 times a week or more
- 1 point yes, I stay active, occasionally walk, play a game of hoops, kick the ball around with the kids
- -1 points occasionally, I know I should do more
- -3 points not really, I know I should do more
- -4 points no, hardly ever, I mostly sit all day, run carpool, garden, volunteer, laundry, relax, bed
- -5 points no, never, I work in a sit-down job, walk to my car, make dinner, watch tv, go to bed
- -5 points no, never, I am handicapped
4. Do you take prescription medicine?
- 4 points no, I don't take prescription medicine
- 3 points no, but I have in the recent past (18 months)
- -5 points no, but I am prescribed something I don't take
- -1 point yes, I usually take 1-2 prescriptions per day and/or additional medication, as needed - see the footnote 1.
- -3 points yes, I take 3-5 prescriptions per day and/or additional medication, as needed - see the footnote 1.
- -4 points yes, I take 6-9 prescriptions per day and/or additional medication, as needed - see the footnote 1.
- -5 points yes, 10 or more prescriptions per day and/or additional medication, as needed - see the footnote 1.
- -10 points yes, I take more than one prescription from multiple prescribing doctors and am unaware of possible drug interactions
1. My prescriptions are prescribed from one physician or multiple physicians who know all of my prescriptions/dosage and conditions/illness for which they are prescribed. I am sure none of my medications interfere with the effectiveness of the others and/or can cause a reaction when used together for short- or long-term use.
5. Do you take prescription pain medication or any addictive medication?
- 4 points no, I don't need anything for pain
- 2 points no, but I need something for pain
- 0 points no, I am addicted but still need something for pain
- 2 points yes, I take a non-addictive medication for pain occasionally
- -3 point yes, I take non-addictive medication routinely
- -4 points yes, I take a controlled substance occasionally
- -5 points yes, I take a controlled substance routinely and have not needed to increase the dosage ever
- -7 points yes, I take a controlled substance routinely and have increased the dosage at least once
- -8 points yes, I take a controlled substance obtained by a pain management clinic
- - 15 points yes, I need a controlled substance to manage my pain, but now feel addicted
- -15 points yes, I take a controlled substance because I am addicted
- -15 points yes and I usually buy it on the street and/or without a prescription from a local clinic or doctor
6. Do you have habits that have damaged or negatively changed your life (even small amounts)?
- 4 points no, once I see a problem begin to emerge, I quit
- 3 point not really, but I guess I might have some I don't realize affect me
- 0 points yes, I'm recovering...and know I can't slip or I could relapse
- 0 points not really, but I have had some problems in the past
- -1 points sure, but not serious right now (currently not life changing or threatening e.g. spend too much at Christmas, eat too much at night)
- -4 points ya and it's beginning to affect my life, health, finances and/or relationships
- 0 points no, never
- -5 points no, but others think I do
- -10 points yes, I think I have a problem, but am not sure (spending, smoking, drinking, gambling, drugs, job hopping, porn, borrowing, sex with strangers, codependency, etc.)
- -15 points yes, serious (spending, drinking, smoking, gambling, drugs, job hopping, porn, borrowing, sex with strangers, codependency, etc.)
7. Are you overweight?
- 2 points no, I'm in excellent shape, 0% body fat and could be a model on Shape® Magazine
- -10 points no, I'm underweight by unhealthy means (drugs, smoking, poor eating habits, disease, illness, anorexia, bulimia, stress, depression/anxiety, etc.)
- -3 points no, I'm naturally underweight but eat poorly
- 4 points no, I'm underweight or average and have almost always been that way, eat average or better than average
- -5 points no, I'm average weight by unhealthy means
- 0 points no, I'm average or slightly below average weight only due to surgery, laser sculpting or some other unnatural method
- 4 points no, I'm average or slightly below average weight and work hard to achieve that through healthy means (diet and exercise)
- 0 points yes, slightly but not concerned enough to take action to change that
- 2 points yes, slightly but I'm still very active, love my body and it doesn't generally affect my life
- 2 points yes, slightly and have begun to take action to change that
- -5 points yes, I need to lose some weight, I've always been heavy, have lost and gained in the past, am taking no current action
- -4 points yes, I need to lose some weight, I've always been heavy, have lost and gained in the past and recently (last 12 months) and currently taken action
- -7 points yes, I've recently put on some weight and don't know why
- -7 points yes, I've recently put on some weight (last 24 months) that has affected my life (mentally and/or physically) and I need to lose it, but no plan has been established
- -4 points yes, I've recently put on some weight (last 24 months) and currently on a plan to lose it
- -10 points yes, I'm heavy, but not obese and those that I trust (doctors, genuine friends or family) have mentioned it, but I take no action
- -9 points yes, I've always been heavy, have lost some weight in the past, but always gain it back, am not currently taking action and unsure what to do
- -15 points yes, I'm obese or morbidly obese and know I need to lose weight or those I trust (doctors, genuine friends or family) have mentioned it, but have taken no action
- -15 points yes, I'm heavy, obese or morbidly obese (possibly always been overweight), love my body and/or currently am not taking action
- -9 points yes, I'm heavy, obese or morbidly obese (possibly always been overweight) and have begun a doctor approved plan
8. Are you depressed, anxious, continuously stressed-out or suffering from some mental illness?
- 3 points no, never
- -1 point not currently, but have suffered in the past but have never been treated
- 0 points occasionally and have been treated in the past
- -5 points yes, but I am not being treated
- 0 points I was suffering from something but have mild to no symptoms because I am being treated
- -1 points yes, I still have symptoms and am under the care of a doctor or therapist and take a prescription
- -1 point yes, I still have symptoms and am under the care of a doctor or therapist and am not taking a prescription
- -15 points yes and I have idealized ending my life
9. Have you suffered from inflammation or swelling?
- -6 points yes and I know why, but am not being treated or taking steps to decrease the problem or avoiding the activity, drug, food that induces the problem
- 1 point yes and I am being treated and working to decrease the problem
- -5 points yes and I take a steroid routinely
- 0 points yes and I am sometimes (more than 2 times per year for 2 years or more) treated with steroids
- -4 points yes and I take a prescription non-steroidal type medication routinely
- -3 points yes and sometimes take a prescription non-steroidal type medication
- 1 point yes and I occasionally take an OTC medication like aspirin or ibuprofen
- -3 points yes and I routinely take an OTC medication like aspirin or ibuprofen
10. Do you smoke marijuana?
- 4 points no and never
- -4 points no, but I did in the recent past
- 0 points no, but I did many years ago
- -15 points yes, routinely for serious medical problems
- -12 points occasionally for serious medical problems
- -15 points yes, routinely for non-serious medical problems
- -11 points occasionally for non-serious medical problems
- -10 points occasionally, socially or in times of stress
- -13 points habitually now and for less than a year
- -15 points habitually now for more than a year
11. Do you smoke or vape?
- 4 points no and never
- -1 points no, but occasionally in the past
- 0 points no, but habitually many years ago
- -9 points socially or in times of stress (usually bum a cigarette)
- -4 points no, but habitually in the recent past
- -10 points occasionally (have a pack or vaping products stashed somewhere)
- -13 points habitually now and for less than a year
- -15 points habitually now for more than a year
12. Do you drink alcohol?
- 4 points no and never
- 2 points no, but I did in the recent past
- 3 points no, but I did many years ago
- 0 points no, but I did heavily in the past
- 3 points yes, occasionally, socially or with meals
- 2 points yes, only red wine, hard liquor or tequila, not excessively and only occasionally
- 4 points yes, only red wine regularly, but not excessively
- -5 points yes, usually in times of stress
- -10 points yes, habitually (everyday, other day, weekend, once-a-week) and for less than a year
- -15 points yes, habitually now for more than a year
13. What are your 3 primary beverages consumed daily? (record the combined total of 3 - e.g. water, tea, soda or water, water, red wine)?
- 2 points water
- -2 points milk (1% or more fat)
- 2 points milk (.05 or less fat)
- 2 points milk that is not animal sourced, low or no fat
- 2 points nutrient extracted juice
- 2 points coffee (4 cups or less)
- -5 points coffee (more than 4 cups)
- 2 points red wine (one glass)
- -5 points red wine (2 glasses or more)
- -5 points wine (other than red)
- -5 points beer
- -5 points spritzers
- -5 points hard liquor
- 1 points tea
- -3 points coffee, blended (e.g. mocha, latte)
- -3 points high sugar (pure or from concentrate) juice
- -3 points soda
- -3 points diet drinks
- -3 points energy drink
- 2 points protein drink
- 2 points smoothie (low cal, low fat, low sugar)
- -2 points smoothie, shake or iced drink (high cal, high fat, high sugar)
- 2 points meal replacement
14. Do you consume enough plain water?
- 4 points yes I drink the recommended amount, about 8, 8 oz. glasses/bottles (usually moist mouth and mostly clear urine)
- 3 points yes, I drink when I'm thirsty (usually moist mouth and mostly clear urine)
- 0 points no, I drink less than the recommended amount and don't pay attention to my mouth or urine
- 1 point yes, I drink 5-8, 8 oz. glasses/bottles, but I still have a dry mouth and/or dark or bright yellow urine (possibly for different reasons)
- 2 points yes, I think so (I take vitamins, medications or have a diet that could cause a dry mouth or strange colored urine)
- -4 points no, I don't think I drink enough, I usually have a dry mouth and bright or dark yellow urine
- -3 points no, I don't drink water, I get my fluids in some other drink or method
- -3 points no, I don't drink enough water or fluids and don't notice any symptoms
- -6 points no, I don't drink enough water or fluids and routinely or occasionally notice: lethargy, fast heart rate, dry mouth, dark or bright colored urine
- -9 points no, I don't drink enough water or fluids and along with the above listed symptoms of dehydration and have had stones, reflux, kidney disease or some other related condition/illness or disease that can be attributed or worsened by dehydration.
15. Do you have a serious condition, illness or disease?
- 4 points I have never been diagnosed with a serious illness, condition or disease
- 3 points I don't think so, I am generally healthy and content and have had a physical exam within the last 18 months
- 1 points I don't think so, I am generally healthy and content but have not had a physical exam in the last 18 months
- 0 points I don't know but have weird symptoms and/or get sick frequently
- -4 points yes, but it is not yet diagnosed, but I am working to get a diagnosis
- 0 point no, but I have fully recovered from one or am in remission
- -4 point I think so, but I'm not sure
- -9 points yes, but it is not yet diagnosed and am not working towards a diagnosis
- -4 points yes, it's being treated and non-life-threatening
- -9 points yes, it's being treated and is life-threatening
- -10 points yes, I'm terminal
- -15 points yes, it's not being treated and is life-threatening
- -7 points yes, it's not being treated and is non-life-threatening
16. How is your sleep quality/quantity?
- 4 points usually 7-9 uninterrupted hours every 24 hours
- 0 points usually 5-6 uninterrupted hours every 24 hours, most nights, but feel rested
- -4 points usually less than 7-9 uninterrupted hours every 24 hours and I overeat, don't always feel rested, have trouble concentrating, have problems with digestion, memory and/or am accident prone with an action plan to get a diagnosis or planned sleep study
- -3 points usually 7-9 total hours in 24 hours (nonconsecutive and/or interrupted sleep) with an action plan to get a diagnosis or planned sleep study
- -4 points usually 5-6 total hours in 24 hours (nonconsecutive and/or interrupted sleep) with an action plan to get a diagnosis or planned sleep study
- -4 points usually 10 or more consecutive hours in a 24 hour period for unknow causes with an action plan to get a diagnosis or planned sleep study
- -5 points Any of the following: usually less than 7 consecutive hours in 24 hours, less than 9 interrupted hours, insomnia, heavy snoring, apnea, sleep walking/eating, trouble concentrating when awake, feeling unrested, problems with digestion, memory, frequent falls or accidents or other possible problems related to sleep without an action plan to get a diagnosis or planned sleep study
17. Do you practice a stress reduction discipline such as: yoga, Pilates®, walking, stretching, meditation?
- 4 points yes, everyday
- 4 points yes, 3-5 times per week
- 3 points yes, once or twice a week
- 2 point yes, 2-3 times per month
- 2 point once a month
- 1 point occasionally or as needed
- 0 points no, not currently, but have done so in the past
- 0 points no, never
18. How often do you spend time socially connecting with friends, community, church and family? (talking, texting, seeing in person, attending, but excluding social networking)?
- 4 points everyday
- 4 points 3-5 times per week
- 4 points once or twice a week with friends, family
- 4 points once or twice a week in community activities or worshiping
- 2 points 1-3 times per month
- 1 point occasionally, but I'm happy, not lonely and feel personal contentment
- -1 point occasionally, I often turn down offers, I'd rather watch television or just be by myself
- -1 point rarely, I don't have or want much of a social life or community belonging
- 0 point never, rarely or occasionally, but wish that would change
- -1 point never, I enjoy alone time
19. Does heart disease, cancer or other illness/condition with genetic traits run in your family?
- -1 points yes, more than one close relative
- 0 points yes a close relative
- 4 points no
- 0 points I don't know
20. Over the last year, have you practiced safe sex when dating and/or during casual, sexual encounters?
- 4 points I abstained
- 4 points yes, always
- -7 points usually
- -8 points no, not usually
- -10 points never
21. What age group are you in?
- 2 points 18-25
- 4 points 26-35
- 2 points 36-45
- 0 points 46-55
- -4 points 56-60
- -5 points 61-65
- -7 points 66-70
- -8 points 71-75
- -9 points over 75
22. How good is your memory?
- 4 points excellent, I can retain things longer than most people
- 2 points good, I can usually remember what is required
- 0 points okay, I occasionally forget things or have trouble concentrating
- -1 point could be better, I forget things like what I walked into a room to get, where I parked or my daily scheduled appointments/plans
- -5 points not good, I routinely forget important things, have concentration problems and/or have been lost or confused
- -10 points bad, I forget important things and/or people, I get irritated easily, get lost and/or confused, family, co-workers and/or friends have mentioned their concern
23. How would you rate your satisfaction with your branches or specialties if in the armed services, retirement and/or your career or job?
- 4 points excellent, I love my job and/or retirement activities and make adequate income
- 3 points good, I like my job and/or retirement activities and make adequate income
- 2 points okay, I neither like or dislike my job and make adequate income
- -2 point insufficient, I neither like or dislike my job, do not make adequate income and have taken steps to improve
- -3 points insufficient, I neither like or dislike my job, do not make adequate income, but have taken no action
- -1 points okay, I like my job and/or retirement activities but need more money and have taken steps to improve
- -2 points okay, I like my job and/or retirement activities but need more money, but have taken no action
- -1 point sufficient, I dislike my job and/or retirement but make a good income and have taken steps to improve
- -2 points sufficient, I dislike my job and/or retirement activities but make a good income, but have taken no action
- -3 points not good, I dislike my job and/or retirement activities and make insufficient income, but have taken steps to improve
- -4 points bad, I dislike my job and/or retirement activities and make insufficient income, but have taken no action
24. Do you practice certain behavior or do activities that could be dangerous, risky or challenging (e.g. skydiving, rock climbing, run your own business, 5K, start unfamiliar things)?
- 2 points no, never
- 2 point no, but I used to do so in the past
- 4 points occasionally (1-5 times a year), but always practice safety protocol and/or take steps to ensure my well-being
- -15 points occasionally and don't always practice safety protocol
- 4 points yes, pretty often (6-12 times a year) and always practice safety protocol and/or take steps to ensure my well-being
- -14 points yes, pretty often and don't always practice safety protocol
- 4 points yes, routinely (daily, weekly or monthly) or as part of my career/service and always practice safety protocol and/or take steps to ensure my well-being
- -13 points yes, routinely or as part of my career/service and don't always practice safety protocol
25. How do you feel about your divorce and/or ex?
- 3 points excited to move forward and wish him/her the best
- 0 points rarely think about it, but am still bitter
- 1 point rarely think about it, still bothered by some things
- 4 points mostly indifferent, moving on with my life and don't dwell on it much
- 0 points still have occasional upset and talk to others about it
- -2 point still feel upset and have nobody to talk to about it
- -3 points still pretty pi*sed off and can't stand to think or see him/her
- -4 points bitter and bitc*ing to him/her, my attorney and anyone who will listen
Entire Quiz Score
Rate the entire quiz: Go back through the quiz and review your answers. Add all of the positive points and subtract the negative. See where your score puts your current Health & Wellness for January 2021.
Health & Wellness Rating:
- 71 or higher Excellent
- 41 to 70 Good - Could be Improved
- 40 to -10 Needs Attention
- -11 to -60 Not Good - Take Action
- -61 or less Unsatisfactory - Immediate Intervention Needed
Individual Answer Point System
Rate individual questions. Answers with 0 points or less should be reviewed again regardless of your overall health and wellness score. Answers with 1-4 points, reviewed at the quiz takers discretion.
Best 3 to 4 points Generally anything you rated with a 3-4 is good and requires little to no improvement.
Okay 1-2 points This is an area that could be improved, but requires limited change.
CAUTION 0 points This is a CAUTION sign. This is a sign something in your life needs your awareness and possible cessation or positive change (if currently amendable). It further indicates the issue has the makings of a serious life problem that can affect your overall health and wellness. It may be something from the past or present, but either could still have a negative affect on your life, now or in the future. You should proceed with consideration of the specific topic/issue.
DANGER -1 to -4 points This is a DANGER sign. Consider -4 the worst in this range. This range indicates an issue/problem has escalated in your life and you have either taken action, but it still exists or it is nearing a point where action is essential to maintain a good mental and physical well-being. Without new or continued action, the issue/problem will likely escalate into one of the next 3 stages listed below. In questions that reflect natural and/or unchangeable outcomes, like aging or excessive prescription medicine, action should be considered in other areas, such as diet and exercise to balance the loss of points from these questions.
LIFE DAMAGING -5 to -9 points This is an EXTREME DANGER sign. Consider -9 the worst in this range. This range indicates an issue/problem in your life has a reached a point that is detrimental to your health and well-being. It has the potential to cause serious harm to you and in some cases reduce your potential for a typical lifespan. If you have resolved some issue that is physically or mentally damaging, then you would have been downgraded from the next and worst level to -9 or less, but the problem is still putting you in danger until it is a 0 or higher. In cases like aging or life threatening illness with treatment, where certain elements are uncontrollable, action should be taken in other areas, when possible, to balance the loss of points from these questions.
LIFE THREATENING -10 to -14 points This is a LIFE THREATENING sign. Consider -14 the worst in this range. This range indicates and issue or problem in your life has reached a point that is known to cause serious illness or premature death. Since it has the potential to reduce your lifespan and damage your health and wellness, should be discontinued or modified to a 0 or higher point level, immediately. In cases like aging or being a terminal patient, where certain elements are uncontrollable, action should be taken in other areas, when possible, to balance the loss of points from these questions.
GET HELP NOW -15 points This is a sign you are engaging in an activity that has a significant probability of early death or imminent harm to you or others. You are likely addicted and/or not in any or complete control of your decisions. Get help from a friend, family member, neighbor or church. Nothing is more important right now than the immediate elimination of any problem at this level! Intervention is needed and may save your life.
Some facts about the quiz:
No curve The quiz is meant to begin a self-analysis with no bias to age, circumstance, illness, need, status or personal history. This means that is designed with a basis of a perfectly healthy human being with a strictly positive well-being. Therefore it does not produce results based on your personal best such as age, health restrictions, past behaviors or need.
e.g. The quiz will reflect the difference in health and wellness between a 25 year old and a 65 year old. Unless the 65 year old out performs or takes action in other areas of the quiz, he/she will likely have a lower score when compared to an average 25 year old.
Negative has a greater significance The quiz has a higher-negative point system than positive. This is because our health and well-being is generally, naturally degraded as we age, live and sustain. Much of what we need, like food, is also detrimental to our health. The environment is harmful. The sun damages our skin, chemicals cause disease, accidents cause handicap or injury, our bodies age: organs fail, joints need replacements and life wears on our psyche.
In other words, much of the common, normal choices and behaviors cause an anticipated decline in health and well-being. Through good choices we can reduce the decline, in most cases, but that decline from those natural occurrences, choices and behaviors has more significance in loss of potential life expectancy than they generally increase. Hence the reason, human beings do not live forever.
Significant reduction for certain answers
Dangerous choices, such as addiction, potential for addiction or behaviors that can lead to premature death should be recognized in significant point reductions to represent the severity such circumstance or choices have on one's health, well-being and life!
If we look back 5, 10 or even 20 years, it wouldn't be hard to assume that many of us would like to change a great deal of things about our choices, lifestyle and behavior. All three affect our health and wellness a great deal. Use this quiz to inspire you to live a healthier, happier life by recognizing how much those choices, our lifestyle and behaviors damage our life, but with awareness and action can be changed to do the opposite!
Take our quiz again next year and see if you improved your health & wellness in areas that most affect your life! Good Luck!
Disclaimer
The information provided by respective owner's ("we", "us" or "our) on Divorce Me Knot (referenced also as "DivorceMeKnot.com", "dmk", "DMK", "OurDMK.com", "OurDMK", "application" or "site") is for general informational purposes only and is subject to change with or without notice. All information on our site and application is provided in good faith, however we make no representation, guarantee or warranty of any kind, express or implied, regarding the accuracy, validity, adequacy, reliability, availability or completeness of any information on the site or application.
The information in articles and all content on this site should not be considered psychological or behavioral health therapy, counseling or legal, financial, real estate, mortgage, insurance or professional advice. It should not be used in place of professional advice from a counselor, therapist, physician, behavioral health professional, legal, real estate, mortgage, insurance, financial advisor or other licensed professional or credentialed expert in related subject matters. Providers of content on this site, herein known as "Contributors" (inclusive of, but not limited to writers, bloggers, editors, employees, developers, graphic designers, advertisers, partners, affiliates, references, experts, professionals and site owners) are not legally liable for any misinformation, errors or omissions.
Under no circumstances should DMK and/or it's Contributors have any liability to users of the site for any loss or damage incurred to users as a result of the use of this site or application or reliance of any information provided on the site or application. Use of the site or application and reliance on any information from the site or application is solely at the user's own risk.
For complete site disclaimers review "Disclaimers" on this site or click the link below.
Read Complete Site Disclaimers Here