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Financial Spectrum’s calculators are designed to be informational and educational tools only. When used alone, the calculators should not relied upon for making financial decisions. Any person intending to act or rely on the information should check it’s application to their individual circumstances and we recommend consulting with a financial adviser. Other than what cannot be excluded by law, Financial Spectrum is not liable for any claim, loss and/or damage (direct or indirect) caused by or in any way connected with the access to and/or use of this calculator.