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Disclaimer:

Investing in the financial markets can involve considerable risk. Past performance is not necessarily an indication of future performance. The information included in The Refined Investor and The Refined Investor daily reports is prepared for educational purposes and is not a solicitation, or an offer to buy or sell any security or use any particular system. Information is based on historical research using data believed to be reliable, but there is no guarantee as to its accuracy. The Refined Investor, L.L.C., nor Steve Chapman, do not represent themselves as acting in the position of an investment adviser or investment manager for funds that are not under their direct control and fiduciary responsibility. The Refined Investor, L.L.C., Steve Chapman, will not provide you with personally tailored advice concerning the nature, potential, value or suitability of any particular security, portfolio or securities, transaction, investment strategy or other matter. From time to time, The Refined Investor L.L.C., Steve Chapman, may hold positions in securities mentioned, but you are under no obligation to hold such positions.