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Neither the authors nor the Union of Involved Scientists are accountable or liable for financial or reputational implications or damages to homeowners, insurers, traders, mortgage holders, municipalities, or different any entities. The content of this evaluation should not be relied on to make business, actual estate or different real world decisions without impartial session with skilled experts with related expertise. The views expressed by individuals within the quoted textual content of this report do not symbolize an endorsement of the analysis or its results.