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Originally Posted by gecko
Care to explain futher?
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To be honest, no, as I don't feel it's my place to do so. I'm neither a legal expert nor a processing expert, so any thing I say might be inaccurate or outdated.
But, to the best of my knowledge, what I said is correct. I'd suggest doing a search on the board as this topic has been covered many times and there have been several detailed and helpful threads.